How It Works

How It Works: Connect, Give, Receive

Connect

As a Liberty HealthShare member, you are part of a community of both fellow members and ministry staff who care. Joining Liberty HealthShare connects you with people all over the country who have chosen to help one another in times of need as self-pay patients voluntarily sharing medical costs together.

Give

Each member contributes a monthly share amount through his or her online ShareBox account. With our advanced ShareDirect bill payment system, the amount in a member's ShareBox is automatically transferred directly to another member's ShareBox for any eligible medical expense. Your contribution pays directly for another member's eligible medical cost, according to our Sharing Guidelines.

Receive

Member contributions are shared with you when you have an eligible medical need. You are free to choose your own doctor -- no networks in this membership! You decide the direction of your healthcare. Liberty HealthShare℠ works with both members and their medical providers to keep costs fair and reasonable for the good of the entire community.

Costs in Which Members Share

Medical costs are shared on a per person, per incident basis, for illnesses or injuries incurring medical expenses when treated by physicians, urgent care facilities, clinics, emergency rooms, or hospitals (inpatient and outpatient).

Members share these kinds of costs:

Bills incurred per incident over the Single, Couple, or Family Annual Unshared Amount*

Inpatient or outpatient hospital treatment or surgery for a medically diagnosed condition

Doctor’s visits related to each medical incident

Tier 4 prescriptions used for acute illness for the 45 days following each related medical incident

Physical therapy and home health care, as limited by the Sharing Guidelines

Limited sharing for pre-existing conditions for the first 13-36 months of participation

Expenses in which members do not share, including but not limited to:

Pre-existing conditions for the first 12 months of participation

Dental/vision services or procedures

Tier 1-3 prescriptions

Medical costs that fall below the Single, Couple or Family Annual Unshared Amount*

Expenses other than accidents, acute illness, or injury within the first 60 days of membership.

*A medical expense eligible for sharing must exceed an Annual cumulative Unshared Amount (AUA) of $1,000 for a single, $1,750 for a couple, $2,250 for a family and is calculated upon each member's enrollment date until their next annual renewal date.